Black accounts are generally people whose credit is seriously overdue. If he becomes a black account of the bank, he can enjoy some banking services, but there will be certain risks and restrictions. If he wants to apply for a credit card, he will basically fail the examination, but if he wants to apply for a debit card, the examination will be more relaxed and can still be handled, but there will be certain risks. For example, the debit card under the name of a black account is much more likely to be frozen than ordinary users, and the money in the account is likely to be frozen.